Hail can be a very destructive phenomenon for a roof. Getting an insurance policy that protects you in the event of hail damage is very important for your peace of mind.
In this article, we will talk about two of the most frequent concerns people have when they have to make a claim for hail damage.
- The time limit to file the insurance claim
In most cases, you have one month after the hailstorm caused damage to your roof to make the claim. The first thing you should do is take pictures and bring a trustworthy Junction City roofing contractor to estimate the damage. Call your insurer to determine whether hail damage is covered by your home insurance. If it is, allow your insurance adjuster to inspect the roof and confront him with the estimate made by your roofer, just to be sure that you will receive adequate compensation. File the claim and start the repairs.
- Filing a roof hail damage insurance claim even if there is no roof leak
If the roof is not leaking, it doesn`t mean it is not damaged, so yes, you are allowed to receive compensation even if there is no leak. Hail damage does not always result in roof leaks, at least not immediately, but it often consists in damaged roofing materials and vulnerabilities.
When you choose your new Junction City roofing options, there are many aspects that you need take into consideration – here are some of the most important factors:
- Durability – durable Junction City roofing materials have different lifespans. Clay tiles can serve your home well for 70-100 years, metal roofs live for around 30-50 years, while shingle roofs can provide protection for 20-40 years;
- Resistance to extreme weather – if your area is frequently affected by storms, hurricanes and hails, if it is very hot in summer or it is affected by extreme snowing in winter, you need a roof that is able to withstand all those extreme conditions;
- Roof structure – if you have a sloping roof, your choice of material includes shingles, metal, wood, slate and clay or cement tiles, while the materials used for flat roofs include membranes made from special rubber, built-up constructions that use alternate layers of tar and ballast and metal;
- Aesthetic appeal – you need to pick a material the color and the texture of which complements not only the overall design of your building, but blends into the neighborhood as well;
- Weight – you need to make sure that your building can hold up the weight of the new roof. Clay tiles and slate, for example, are heavy materials that are not suitable for some lightweight constructions.
Hailstorms are some of the most severe weather phenomena that may cause various levels of roof damage, depending on the size and density of the hail stones, as well as the intensity and speed of the wind.
Types of roof damage happening during a hailstorm include split, broken or missing shingles, dents, missing granulation, as well as clogged or broken drainage system.
There is little to do about your roof if you want to be prepared for such an event, other than installing impact resistant shingles, if you live in an area with frequent hailstorms. The most important thing is to know how to react promptly after a hailstorm damages your roof.
Do not panic and be proactive!
First, take the necessary measures to minimize the damage, if there is water in the house and then start to evaluate the roof damage. Observe what happened, take pictures, videos and write down the damaged materials you notice and their location. A Junction City roofing contractor can provide a repair estimate; make sure you get the estimate in writing. All these will be very useful when you take the next step and make the insurance claim.
Call your insurance company and, once a representative comes and calculate the coverage you are allowed to receive, you can start planning the repair process.
Junction City storms may cause significant damage to a roof, so if you are worried about this aspect, we prepared a few pieces of advice about how to restore your roof after a storm.
Storm roof damage is typically caused by wind and hail, and can be direct (the wind blows away shingles), or indirect (the wind breaks a tree branch that falls on the roof). Any problem with the roof can cause water damage problems.
During the storm, there is nothing much to do, once it is over, you must inspect your roof and identify the potential damage.
As soon as it is safe to go outside, look for pieces of roofing material on the ground (not just shingles, but also flashing, metal trim etc.). Inspect the roof visually and identify problematic area that may allow water to enter your attic. Also make sure the gutters and downspouts are still in place and in good condition. Also, go to the attic look for moisture marks or water leaks.
Make photos or a video with all the damages; they will be useful when you make an Junction City roofing insurance claim.
Restoring your broken roof is not a DIY job, so you would better call your insurer and a roofing contractor. When you rebuild the roof, choose storm-resistant materials, especially if you live in an area where storms are a common occurrence.